Use this page as a one-stop reference for everything related to Saraswat Cooperative Bank Limited's GANESH KHIND ROAD branch in PUNE, MAHARASHTRA. The branch's IFSC code SRCB0000193 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, SRCB0000193 is the IFSC of Saraswat Cooperative Bank Limited's GANESH KHIND ROAD branch. The format is fixed: SRCB = bank code, 0 = reserved, 000193 = branch identifier.
About Saraswat Cooperative Bank Limited
Saraswat Cooperative Bank Limited operates a wide network of branches across India, including the Ganesh Khind Road branch in Pune. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, SRCB0000193.
Branch details at a glance
| Bank Name | Saraswat Cooperative Bank Limited |
|---|---|
| Branch | Ganesh Khind Road |
| IFSC Code | SRCB0000193 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 1, RBI EXTENSION COUNTER, COLLEGE OF AGRICULTURE BANKING (RBI), GANESH KHIND ROAD, PUNE - 411005. |
| City | Pune |
| District | Pune |
| State | Maharashtra |
| STD Code | 20 |
| Phone | 25538394 |
About the Ganesh Khind Road branch
The Ganesh Khind Road branch of Saraswat Cooperative Bank Limited is situated at 1, RBI EXTENSION COUNTER, COLLEGE OF AGRICULTURE BANKING (RBI), GANESH KHIND ROAD, PUNE - 411005.. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code SRCB0000193 is used.
Why every Saraswat Cooperative Bank Limited branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including GANESH KHIND ROAD of Saraswat Cooperative Bank Limited — its own 11-character IFSC. The code SRCB0000193 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC SRCB0000193 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Ganesh Khind Road branch is mapped to IFSC SRCB0000193 on the RBI payments network. The branch generally supports the full retail product catalogue of Saraswat Cooperative Bank Limited, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains SRCB0000193.
Banking services available
The Ganesh Khind Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 20-25538394.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC SRCB0000193
How to transfer money using IFSC SRCB0000193
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC SRCB0000193 across all three.
How to use IFSC SRCB0000193 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Saraswat Cooperative Bank Limited's GANESH KHIND ROAD branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC SRCB0000193.
- Confirm the bank name auto-populates as Saraswat Cooperative Bank Limited and the branch as GANESH KHIND ROAD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC SRCB0000193
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Saraswat Cooperative Bank Limited – GANESH KHIND ROAD, ensure your bank's portal accepts IFSC SRCB0000193 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Saraswat Cooperative Bank Limited GANESH KHIND ROAD (IFSC SRCB0000193)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SRCB0000193 in your mobile or internet banking app, and the money is credited to the GANESH KHIND ROAD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC SRCB0000193 for Saraswat Cooperative Bank Limited – GANESH KHIND ROAD, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – SRCB0000193 | Yes – SRCB0000193 | Yes – SRCB0000193 |
For most retail customers crediting the Ganesh Khind Road branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Saraswat Cooperative Bank Limited's GANESH KHIND ROAD branch, the IFSC SRCB0000193 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Digital banking channels
Most day-to-day work that customers used to do at the Ganesh Khind Road branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC SRCB0000193 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Saraswat Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC SRCB0000193 and the account number together uniquely identify the Ganesh Khind Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC SRCB0000193
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Saraswat Cooperative Bank Limited – GANESH KHIND ROAD, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
SRCB0000193. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Ganesh Khind Road branch sits at 1, RBI EXTENSION COUNTER, COLLEGE OF AGRICULTURE BANKING (RBI), GANESH KHIND ROAD, PUNE - 411005.. If you are travelling from outside Pune, search for the branch on a maps application using the bank name and locality, or call 20-25538394 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC SRCB0000193 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC SRCB0000193 for Saraswat Cooperative Bank Limited – GANESH KHIND ROAD, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Working hours
Branch counters at Ganesh Khind Road are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to SRCB0000193 continue to work without interruption.
Branch address & contact
Saraswat Cooperative Bank LimitedGanesh Khind Road Branch
1, RBI EXTENSION COUNTER, COLLEGE OF AGRICULTURE BANKING (RBI), GANESH KHIND ROAD, PUNE - 411005.
Pune, Maharashtra
Phone: 20-25538394
IFSC: SRCB0000193
Frequently asked questions
What is the phone number of Saraswat Cooperative Bank Limited Ganesh Khind Road branch?
You can reach the branch at 20-25538394 during regular banking hours.
How do I add Saraswat Cooperative Bank Limited Ganesh Khind Road as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC SRCB0000193, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Saraswat Cooperative Bank Limited Ganesh Khind Road branch located?
Saraswat Cooperative Bank Limited's Ganesh Khind Road branch is located at 1, RBI EXTENSION COUNTER, COLLEGE OF AGRICULTURE BANKING (RBI), GANESH KHIND ROAD, PUNE - 411005., Pune, Maharashtra.
What is the IFSC code of Saraswat Cooperative Bank Limited Ganesh Khind Road branch?
The IFSC code of Saraswat Cooperative Bank Limited, Ganesh Khind Road branch is SRCB0000193. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC SRCB0000193 valid for NEFT and RTGS?
Yes. IFSC SRCB0000193 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Ganesh Khind Road branch but serve different purposes.
How quickly will an NEFT transfer using SRCB0000193 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Saraswat Cooperative Bank Limited – Ganesh Khind Road reflect within 30 minutes.
Can I use IFSC SRCB0000193 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SRCB0000193 to send funds instantly.
Summary
The IFSC code SRCB0000193 belongs to Saraswat Cooperative Bank Limited's GANESH KHIND ROAD branch, located at 1, RBI EXTENSION COUNTER, COLLEGE OF AGRICULTURE BANKING (RBI), GANESH KHIND… in PUNE, MAHARASHTRA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
